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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Ekonomika Dan Bisnis Jurnal Ekonomi dan Bisnis
Soleha, Safnah
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Economics, Econometrics & Finance Social Sciences

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Perkembangan Financial Technology Terkait Central Bank Digital Currency (CBDC) terhadap Transmisi Kebijakan Moneter dan Makroekonomi Soleha, Safnah; Hikmah Indri Yani Harahap; Tri Wina Sabrina; Maryam Batubara
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 3 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i3.23293

Abstract

The purpose of this study is to determine the development of financial technology related to central bank digital currency (CBDC) on the transmission of monetary and macroeconomic policies. The advancement of financial technology (fintech) continues to show a significant increase in today's digital age. This research uses descriptive qualitative research methods with literature studies. The descriptive method used in this research is to describe the direction or process of research development. In brief, it can be concluded that CBDC is electronic money issued by the central bank and can be accessed universally. on the transmission of monetary policy in Indonesia can be shown by the effect of changes in BI 7DRR on banking rates both deposit and credit rates. If the economy is in recession, Bank Indonesia will implement a loose monetary policy by lowering the benchmark interest rate so that economic activity increases. macroeconomics is part of economics that explores economic events and problems holistically as a unit. Macroeconomics also focuses attention on the role of the state in regulating economic activity. The development of fintech, which is in line with the increasingly wide open access to digital finance, has great potential to increase public access to the financial sector.
Optimalisasi Pembayaran Digital Melalui Quick Response Code Indonesian Standard (QRIS) pada UMKM Kota Medan Zainarti; Soleha, Safnah; Sabrina, Tri Wina; Anggraini, Dini
Surplus: Jurnal Ekonomi dan Bisnis Vol. 3 No. 2 (2025): Januari-Juni 2025
Publisher : Yayasan Pendidikan Tanggui Baimbaian

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71456/sur.v3i2.1328

Abstract

Transformasi digital dalam sistem ekonomi global telah membawa perubahan signifikan terhadap cara transaksi dilakukan, termasuk dalam sektor Usaha Mikro, Kecil, dan Menengah (UMKM). Di Indonesia, penerapan Quick Response Code Indonesian Standard (QRIS) menjadi salah satu bentuk inovasi sistem pembayaran digital yang bertujuan menciptakan transaksi yang cepat, efisien, dan inklusif.  Metode penelitian yang digunakan adalah deskriptif kuantitatif dengan pendekatan studi lapangan melalui wawancara, observasi, dan dokumentasi. Hasil penelitian menunjukkan bahwa penggunaan QRIS memberikan berbagai dampak positif, seperti efisiensi waktu transaksi, pencatatan keuangan otomatis, serta peningkatan kredibilitas usaha di mata konsumen. Sekitar 55% transaksi harian berhasil dialihkan ke sistem digital, mempercepat layanan dan memperluas pasar. Studi ini menyimpulkan bahwa QRIS adalah alat strategis dalam mendorong digitalisasi UMKM, namun optimalisasinya membutuhkan dukungan infrastruktur, edukasi, dan kolaborasi multi-pihak untuk hasil yang lebih luas dan berkelanjutan.
Peran Sistem Informasi Manajemen Bank Syariah Indonesia Dalam Membantu Peningkatan Perekonomian Dan Bisnis di Era Digital Soleha, Safnah; Sibuea, Parulian; yunanda, Mey; Harahap, Indah Tri Sari; Nasution, Alya Arianti
Jurnal Ekonomika Dan Bisnis (JEBS) Vol. 5 No. 1 (2025): Januari - Februari
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jebs.v5i1.2509

Abstract

The purpose of this research is to find out the role of the management information system of Indonesian Islamic banks in helping to improve the economy and business in the digital era, Bank Syariah Indonesia is encouraged to be able to compete at the global level in national economic development and contribute to the welfare of society, with a modern and universal concept. The type of research used in this paper is to use literature studies obtained from several sources. The results of the study The role of sharia banks in economic progress is that sharia banking in its operations emphasizes controlling the level of productivity according to financing including mudharabah and musyarakah. BSI's support and services for SMEs give entrepreneurs the opportunity to expand their business without having to use online loans or other high-interest loans that can exacerbate problems during a prolonged business crisis. The role of Management Information Systems in Islamic banking is significant in supporting the goal of a more inclusive and equitable economy
Perkembangan Financial Technology Terkait Central Bank Digital Currency (CBDC) terhadap Transmisi Kebijakan Moneter dan Makroekonomi Soleha, Safnah; Hikmah Indri Yani Harahap; Tri Wina Sabrina; Maryam Batubara
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 3 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i3.23293

Abstract

The purpose of this study is to determine the development of financial technology related to central bank digital currency (CBDC) on the transmission of monetary and macroeconomic policies. The advancement of financial technology (fintech) continues to show a significant increase in today's digital age. This research uses descriptive qualitative research methods with literature studies. The descriptive method used in this research is to describe the direction or process of research development. In brief, it can be concluded that CBDC is electronic money issued by the central bank and can be accessed universally. on the transmission of monetary policy in Indonesia can be shown by the effect of changes in BI 7DRR on banking rates both deposit and credit rates. If the economy is in recession, Bank Indonesia will implement a loose monetary policy by lowering the benchmark interest rate so that economic activity increases. macroeconomics is part of economics that explores economic events and problems holistically as a unit. Macroeconomics also focuses attention on the role of the state in regulating economic activity. The development of fintech, which is in line with the increasingly wide open access to digital finance, has great potential to increase public access to the financial sector.
Co-Authors Dini Anggraini, Dini Harahap, Indah Tri Sari Hikmah Indri Yani Harahap Maryam Batubara Nasution, Alya Arianti Parulian Sibuea Sabrina, Tri Wina Tri Wina Sabrina yunanda, Mey Zainarti